TellerScore

The Putnam County National Bank of Carmel (FDIC certificate #6990) is based in Carmel, New York. Its Q2 2026 call report shows $182.7M in total assets and $135.2M in deposits and 6 offices.

Based on its Q2 2026 filing, The Putnam County National Bank of Carmel scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 11th. Its strongest component is capital cushion (100/100; 26.77%), and its lowest is funding & liquidity (52/100; 90% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 26.77%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.48%
Earnings72/100
Return on assets (annualized): 1.31%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 89.9% · 31.7% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.41%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (80 → 83), mostly because the earnings component improved by 9 points.

TellerScore
778083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202482
Q4 202481
Q1 202580
Q2 202580
Q3 202577
Q4 202581
Q1 202680
Q2 202683
Tier 1 leverage ratio
5.00%15.89%26.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202424.69%
Q3 202424.86%
Q4 202424.71%
Q1 202525.13%
Q2 202525.49%
Q3 202525.45%
Q4 202525.96%
Q1 202626.39%
Q2 202626.77%
Noncurrent loans
0.48%0.76%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.56%
Q3 20240.55%
Q4 20240.53%
Q1 20250.51%
Q2 20250.63%
Q3 20251.04%
Q4 20250.59%
Q1 20260.52%
Q2 20260.48%
Return on assets
0.88%1.09%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.21%
Q4 20241.07%
Q1 20250.88%
Q2 20251.07%
Q3 20251.10%
Q4 20251.16%
Q1 20261.02%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$182.7M26.77%0.48%1.31%89.9%
Q1 202680$172.9M26.39%0.52%1.02%96.1%
Q4 202581$173.8M25.96%0.59%1.16%90.5%
Q3 202577$186.0M25.45%1.04%1.10%84.3%
Q2 202580$173.6M25.49%0.63%1.07%92.5%
Q1 202580$174.2M25.13%0.51%0.88%92.1%
Q4 202481$171.8M24.71%0.53%1.07%92.8%
Q3 202482$182.3M24.86%0.55%1.21%85.8%
Q2 202482$169.5M24.69%0.56%1.30%93.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio26.77%
98th
Total risk-based capital0.00%
24th
Problem loans0.48%
46th
Net charge-offs-0.00%
79th
Return on assets1.31%
54th
Net interest margin4.05%
57th
Efficiency ratio63.0%
48th
Loans to deposits89.9%
26th
Uninsured deposits31.7%
23rd
Loan-loss reserves1.42%
73rd
Texas ratio2.4%
54th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of RichmondvilleBank Cobleskill, NY77 out of 100, Strong$185.9M11.5%0.18%vs
Savannah Bank National AssociationBank Savannah, NY66 out of 100, Moderate$187.2M8.9%0.23%vs
First Federal Savings of MiddletownBank Middletown, NY89 out of 100, Very strong$188.0M36.9%0.00%vs
Gouverneur Savings and Loan AssociationBank Gouverneur, NY74 out of 100, Strong$198.9M14.5%1.00%vs
Massena Savings and LoanBank Massena, NY73 out of 100, Strong$199.9M15.1%1.30%vs
The First National Bank of DrydenBank Dryden, NY80 out of 100, Strong$203.9M13.5%0.93%vs

Deposit insurance

Is my money safe at The Putnam County National Bank of Carmel?

Yes. The Putnam County National Bank of Carmel is an FDIC-insured institution (FDIC certificate #6990). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.7% of deposits ($42.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 26.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

The Putnam County National Bank of Carmel lists 6 offices in 3 cities. Most locations:

  • Carmel, NY (3)
  • Patterson, NY (2)
  • Croton Falls, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Putnam County National Bank of Carmel
Type
National bank
FDIC certificate #
6990
RSSD ID
287007
Primary regulator
OCC
Established
January 1, 1865
Headquarters
43 Gleneida Ave, Carmel, NY 10512
Employees
33

Quick answers

The Putnam County National Bank of Carmel: common questions

Is The Putnam County National Bank of Carmel FDIC insured?

Yes. The Putnam County National Bank of Carmel is an FDIC-insured institution (FDIC certificate #6990). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Putnam County National Bank of Carmel's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Putnam County National Bank of Carmel ever failed?

There is no failure record for FDIC certificate #6990 in the FDIC failed bank list.

How many branches does The Putnam County National Bank of Carmel have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Carmel

InstitutionScoreAssetsCapitalProblem loansCompare
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs
Cornerstone Federal Credit UnionCredit union Fairfield, CT77 out of 100, Strong$68.3M10.6%0.22%vs
Fairfield County BankBank Ridgefield, CT76 out of 100, Strong$1.9B14.3%0.05%vs